Phone:
(312) 917-7415(312) 917-7415
The Brozovic Group at Morgan Stanley
Direct:
(312) 917-7415(312) 917-7415
Our Mission Statement
We aim to build a trusted advisory relationship with you to help you achieve your long-term financial goals.
About Us
The Brozovic Group is a team of Financial Advisors and support staff at Morgan Stanley. We are dedicating our efforts and intellectual capital to build up the financial foundations of our clients. We seek to create masterpieces that will last the test of time.
Clients are at the core of everything we do. The Brozovic Group seeks to understand the complexities of their financial lives and future dreams. Through the Financial Planning process, we create a blueprint to help make the client’s dreams into concrete realities.
Clients can expect to go through our Wealth Management process and receive a Financial Plan at the onset of a relationship. We will set up scheduled communications to deliver updates on investment strategy, progress towards goals, and ensure you receive our full suite of services.
Be sure to hit "Contact Us" at the top of this page to sign up to receive our newsletter!
Clients are at the core of everything we do. The Brozovic Group seeks to understand the complexities of their financial lives and future dreams. Through the Financial Planning process, we create a blueprint to help make the client’s dreams into concrete realities.
Clients can expect to go through our Wealth Management process and receive a Financial Plan at the onset of a relationship. We will set up scheduled communications to deliver updates on investment strategy, progress towards goals, and ensure you receive our full suite of services.
Be sure to hit "Contact Us" at the top of this page to sign up to receive our newsletter!
Services Include
- AnnuitiesFootnote1
- Business Succession PlanningFootnote2
- Cash Management and Lending ProductsFootnote3
- Corporate Retirement PlansFootnote4
- Financial PlanningFootnote5
- Life InsuranceFootnote6
- Long Term Care InsuranceFootnote7
- Professional Portfolio ManagementFootnote8
- Trust ServicesFootnote9
- Wealth ManagementFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
The Morgan Stanley Wealth Management process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life - your investments and your cash management needs - making sure they align with your goals and wealth management plan.
The sophisticated suite of tools and the extensive list of resources that Morgan Stanley offers, allows us to implement the Morgan Stanley wealth management process and translate your goals into reality.
Whatever your financial goal - whether to grow your wealth, preserve it or pass it on to others, you can count on us to help you with a strategy that is:
The sophisticated suite of tools and the extensive list of resources that Morgan Stanley offers, allows us to implement the Morgan Stanley wealth management process and translate your goals into reality.
Whatever your financial goal - whether to grow your wealth, preserve it or pass it on to others, you can count on us to help you with a strategy that is:
Discovery Process
We take the time to fully understand you and your family
-Whether you're planning for retirement, purchasing a home, or living out your golden years - we consider all of your challenges, goals, and aspirations when building your financial picture.
-Whether you're planning for retirement, purchasing a home, or living out your golden years - we consider all of your challenges, goals, and aspirations when building your financial picture.
1. Personal
Highly individualized and committed to helping you achieve financial success.
Forming Your Strategy
Using your life goals as our compass, we create a risk-balanced strategy which maps a clear path to achieving your success.
2. Flexible
Responsive to changes in your life and in your priorities over time.
Implementing Your Plan
We apply extensive research and analysis, and also utilize Morgan Stanley's full suite of resources to ensure swift decisive action in all market scenarios.
3. Comprehensive
Covering a broad array of investment products and services, with preferred benefits tied to your valued status with us.
Measuring Your Success
We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards your goals. Our ultimate mission is your success and well-being.
Financial Planning Analysis
To begin complementary financial planning analysis, please click the link the below.
Financial Planning
Your goals, assets, liabilities and other important information are gathered and analyzed. We then use our perspective and experience with other unique clients like you to make recommendations on spending, giving and living.
Planning for your Future
Wealth Management
We take a holistic approach to bring all the aspects of your financial life together. We use our analysis and experience to develop a customized plan for you.
Products and Planning
Retirement Planning
This is paramount to ensuring a successful retirement. We bring intense focus on this process. You have worked hard to get where you are at. Now it is up to us to help you live the retirement you have always dreamed of.
Learn More
401(k) Rollovers
Rollovers can be beneficial to you in several ways. It can help simplify your life by consolidating your assets. We can ensure that there is no risky overlap or concentration insecurities. We can make taking required minimum distribution's easier. You also have the full suite of an open platform from which to choose investments from.
View the Rollover Guide
Corporate Retirement Plans
We work with companies to develop and manage their corporate retirement plans. Let us bring our experiences and resources to the table to take this burden off of you.
Retirement Solutions
Business Succession Planning
A lot of thought and planning go into a successful succession strategy. We can help you navigate the requirements of working with other professionals in addition to us to achieve the results you want.
Insights for Entrepreneurs
Asset Management
Based on your goals, assets and input, we create an investment strategy tailored to your unique needs.
Watch the Video HereBusiness Planning
We can help you by sharing our experience in helping other business owners just like you. We have ideas and strategies to help you grow or sell your business.
Financial Benefits for Modern TeamsThe Morgan Stanley Wealth Management process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life - your investments and your cash management needs - making sure they align with your goals and wealth management plan.
The sophisticated suite of tools and the extensive list of resources that Morgan Stanley offers, allows us to implement the Morgan Stanley wealth management process and translate your goals into reality.
Whatever your financial goal - whether to grow your wealth, preserve it or pass it on to others, you can count on us to help you with a strategy that is:
The sophisticated suite of tools and the extensive list of resources that Morgan Stanley offers, allows us to implement the Morgan Stanley wealth management process and translate your goals into reality.
Whatever your financial goal - whether to grow your wealth, preserve it or pass it on to others, you can count on us to help you with a strategy that is:
1. Personal:
Highly individualized and committed to helping you achieve financial success.
2) Flexible:
Responsive to changes in your life and in your priorities over time.
3) Comprehensive:
Covering a broad array of investment products and services, with preferred benefits tied to your valued status with us.
Financial Planning Analysis:
Our number one goal is to help our clients figure out how to best pursue their goals. Watch how working with us can help.
Goals-Based PlanningValuable Tools and Resources
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning more secure data access, and convenient connectivity.
Learn More About Total Wealth View
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read The Latest ReportGoals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
Learn About Our Planning Tools
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read The Latest Report
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security Center
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
Check Out The Latest Episode
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check Out The Latest EpisodeLocation
227 West Monroe St.,Suite 3400
Chicago, IL 60606
US
Direct:
(312) 917-7415(312) 917-7415
Meet The Brozovic Group
Phone:
(312) 648-0863(312) 648-0863
Carol Blunk
Portfolio Associate
Phone:
(312) 917-7414(312) 917-7414
About Matthew J Brozovic
Beginning in 1989, Matthew Brozovic has more than 30 years of experience in the financial services industry. His career at Morgan Stanley began in September of 1989 when he joined the training program at then Shearson Lehman Hutton. Through many mergers over the years, the firm began what it is known today as Morgan Stanley. However, his interest in the industry began long before that. Matt began investing in the stock market when he was 10 years old. He would take his paper route earnings and visit his parents’ advisor. After listening to his suggestions, he got invested into the market and has been hooked ever since. He even used his earnings to pay for his first year of college.
He is a firm believer that if you want to accomplish any goal in life, you need to have a plan. It is because of this that financial planning is at the core of his practice. It allows his clients to know if they are on track to reach their financial objectives at any given point in time. Since the road to success is always under construction, he works with his clients to adjust their plan as circumstances change. His ultimate goal for all his clients is to help them sleep at night knowing their financial lives are in order. He truly enjoys helping people achieve this peace of mind.
Matt graduated from Purdue University where he received a Bachelor of Science degree in Financial Advising. He had since earned his MBA from Keller Graduate School. Matt currently serves on the Chi Chapter of Kappa Sigma Educational Foundation.
Outside of work, Matt enjoys golfing and spending time with family and close friends. He has a passion for baseball and college football. Matt enjoys visiting the various college stadiums throughout the country. He has been married to wife Diane for 35 years. Together they have raised three adult children: Matthew, Taylor, and Michael. Both he and Diane are adjusting to being new empty nesters.
He is a firm believer that if you want to accomplish any goal in life, you need to have a plan. It is because of this that financial planning is at the core of his practice. It allows his clients to know if they are on track to reach their financial objectives at any given point in time. Since the road to success is always under construction, he works with his clients to adjust their plan as circumstances change. His ultimate goal for all his clients is to help them sleep at night knowing their financial lives are in order. He truly enjoys helping people achieve this peace of mind.
Matt graduated from Purdue University where he received a Bachelor of Science degree in Financial Advising. He had since earned his MBA from Keller Graduate School. Matt currently serves on the Chi Chapter of Kappa Sigma Educational Foundation.
Outside of work, Matt enjoys golfing and spending time with family and close friends. He has a passion for baseball and college football. Matt enjoys visiting the various college stadiums throughout the country. He has been married to wife Diane for 35 years. Together they have raised three adult children: Matthew, Taylor, and Michael. Both he and Diane are adjusting to being new empty nesters.
Securities Agent: ID, IN, WI, VA, MD, FL, TX, NE, NC, MI, DE, CT, WY, VT, TN, NY, MN, IA, CA, AZ, OH, MT, GA, CO, MA, IL, OR, WA, SC, NV, MO, ME, LA, KS; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1401655
NMLS#: 1401655
About Oscar Aguinaga
Beginning in 2016, Oscar Aguinaga is a Financial Advisor with several years of experience in the financial services industry. Growing up in a blue-collar household, Oscar found that money was like oxygen. Knowing how and when bills would be paid was front and center in his mind, and he knew he wasn’t the only one. Due to this, he wanted to pursue a career of helping people feel financially stable. Oscar has dedicated his education and career to helping individuals fill this need.
Oscar strives for a sigh of relief from his clients after a meeting. Through educating and delivering data to clients by leveraging technology, he can allow them to breathe easy and sleep well at night, knowing their finances are in order.
His service model consists of four components. Clients can expect to discuss financial planning, investments, operations and regular communication. His client experience is a seamless one, revolving around an open line of communication should clients have any questions regarding their finances.
Oscar graduated from Loyola University where he received a degree in Finance. While he studied there, he was a member of the track & field team. He has since earned the Certified Financial Planner designation. Outside of work, he enjoys his daily routines of cooking at home, running, golfing and sharing stories with close friends and loved ones. Additionally, he is fluent in Spanish.
Oscar strives for a sigh of relief from his clients after a meeting. Through educating and delivering data to clients by leveraging technology, he can allow them to breathe easy and sleep well at night, knowing their finances are in order.
His service model consists of four components. Clients can expect to discuss financial planning, investments, operations and regular communication. His client experience is a seamless one, revolving around an open line of communication should clients have any questions regarding their finances.
Oscar graduated from Loyola University where he received a degree in Finance. While he studied there, he was a member of the track & field team. He has since earned the Certified Financial Planner designation. Outside of work, he enjoys his daily routines of cooking at home, running, golfing and sharing stories with close friends and loved ones. Additionally, he is fluent in Spanish.
Securities Agent: OH, NC, NE, MT, KS, GA, NV, SC, NY, MN, ME, MD, DE, LA, IA, FL, VA, MA, IN, IL, AZ, TX, TN, CT, MI, OR, WI, MO, CO, CA, WA, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 1884520
NMLS#: 1884520
About Carol Blunk
Carol joined Morgan Stanley in 2017, bringing over 30 years of financial industry experience to the team.
Carol graduated from Rockhurst University in Kansas City, MO, with a Bachelor of Science degree.
Carol has her Series 7, 63, and 65 licenses.
Carol graduated from Rockhurst University in Kansas City, MO, with a Bachelor of Science degree.
Carol has her Series 7, 63, and 65 licenses.
Contact Matthew J Brozovic
Contact Oscar Aguinaga
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Mike Manson
Private Banker
About Mike Manson
Mike Manson is a Private Banker serving Morgan Stanley Private Wealth Management and Wealth Management offices in Illinois.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Mike began his career in financial services in 2010 and joined Morgan Stanley in 2019 as an Associate Private Banker. Prior to joining the firm, he was a Senior Wealth Strategist and Banking Consultant at UBS. He also was a Bank Manager at BMO Harris Bank.
Mike is a graduate of Roosevelt University, where he received a Bachelor of Business Administration in Accounting. He also received a Post-Baccalaureate Certificate in Finance from Northwestern University.
Mike and his family reside in Glenview, Illinois. Outside of the office, Mike enjoys early morning workouts, golf, and playing 12-inch softball.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Mike began his career in financial services in 2010 and joined Morgan Stanley in 2019 as an Associate Private Banker. Prior to joining the firm, he was a Senior Wealth Strategist and Banking Consultant at UBS. He also was a Bank Manager at BMO Harris Bank.
Mike is a graduate of Roosevelt University, where he received a Bachelor of Business Administration in Accounting. He also received a Post-Baccalaureate Certificate in Finance from Northwestern University.
Mike and his family reside in Glenview, Illinois. Outside of the office, Mike enjoys early morning workouts, golf, and playing 12-inch softball.
NMLS#: 728335
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact The Brozovic Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
9Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
10Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
9Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
10Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
